Vitals
  • Total Assets
    175.0M 10.1 %
  • Total Deposits
    161.7M 11.0 %
  • Total Net Loans
    70.2M 5.1 %
  • Net Income
    997000.0000 56.8 %
  • Book Value
    11.7M 1.3 %
  • Book Value x2
    23.3M 1.3 %
  • Book Value x3
    35.0M 1.3 %
ROAA

.598

ROAE

8.24

Efficiency Ratio

75.966

Net Interest Margin

3.597

Balance Sheet Highlights
Financial Highlights Cornerstone Bank All Insured Commercial Banks in Oklahoma
Balance Sheet $(000)
Total Assets 175,031 202,868
Total Net Loans 70,245 137,756
Total Deposits 161,742 172,449
Total Equity 11,666 21,595
Profitability
Net Income 997 2,672
Return on Average Assets .598 1.261
Return on Average Equity 8.24 11.655
Net Interest Margin 3.597 4.163
Efficiency Ratio 75.966 67.201
Noninterest Income/Revenue 14.824 16.695
Balance Sheet Ratios
Loan-to-Deposit 43.43 75.305
Securities/Assets .446 .172
Total Equity/Total Assets .067 .106
Tangible Equity/Tangible Assets .067 .104
Capital Adequacy
Tier 1 Common Capital 13,914 21,413
Tier 1 Capital 13,914 21,413
Tier 2 Capital 910 1,666
Total Capital 14,824 23,103
Total Risk Weighted Assets 93,608 150,667
Leverage Ratio 8.06 10.837
Common Equity Tier 1 Capital Ratio 14.86 15.74
Tier 1 Capital Ratio 14.86 15.742
Total Capital Ratio 15.84 16.809

Timeline for Cornerstone Bank

Watonga State Building Company, Llc

Watonga State Building Company, Llc became a new subsidiary organization for Cornerstone Bank.

View Profile Jul 25 2002

Chisholm Federal Savings Association

Acquisition: Cornerstone Bank acquired a new subsidiary, Chisholm Federal Savings Association, 32 years

View Profile Mar 21 1992

Watonga Bancshares, Inc.

Watonga Bancshares, Inc. became a new parent organization for Cornerstone Bank.

View Profile Jan 08 1980

Cornerstone Bank

Cornerstone Bank was established 96 years ago and is currently headquartered in Watonga, OK.

Jan 28 1928
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Chisholm Federal Savings Association Seller 134,590 Failure 3/21/1992
Relationships Role Relationship Start Relationship End
Watonga Bancshares, Inc. Parent 1/8/1980
Watonga State Building Company, Llc Subsidary 7/25/2002
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